Category Archives: Credit
Credit cards can either work against you or in your favor depending on how you use them. Many people associate credit cards with debt, but you will never have to be in debt, nor pay interest as long as you pay off the balance in full each month. As long as you pay off your balance in full every time, you will not only stay out of debt, but you will be able to enjoy all the perks that come with using a credit card. You may be surprised how much bang for your buck you can get by using credit......
There are many advantages to using prepaid cards. One of the main advantages is that with a prepaid card, you never have to worry about going into debt. The money you put into the card is your own money and is therefore, much like a gift certificate, only the money came from you. Once the money is gone, you need to add more in. You can add more in at any time, however, and you can check the balance anytime you want on-line or calling them on the phone so you never have to worry about how m......
If you have credit cards, you know just how useful they can be. Credit cards can be a flexible and convenient payment option. In fact, many people that use credit cards daily would struggle adjusting to life without them. Having the ease and flexibility of a credit card is truly a luxury. However, it is crucial to note that while credit cards are a useful tool, they can quickly become a dangerous weapon to your finances if you allow your balances to build up. Therefore, it is important to ......
In today’s society, while some have moved on from credit cards for obvious reasons, there are many things in life that can only be purchased with a credit card. Things like renting a car or buying insurance. Also, having a credit card further identifies a person no matter where they are; in a foreign country, at a sports arena, visiting a museum. These cards are sometimes more important to have than a class E driver’s license.
So, finding the best credit card to use should be j......
A data breach is the unintentional release or the intentional theft of ostensibly secure information to an unknown and untrustworthy environment. In other words, when a data breach occurs, someone was careless or unlucky and allowed unauthorized persons to gain access to data — or someone deliberately tried and was successful in gaining access to the data. The problems associated with unauthorized access to data are growing, and some companies and individuals are taking matters into their ......
Credit card debt is on the up. More people than ever before are fighting to pay off excessive card spending, and although doing a credit card balance transfer can be a great way to free yourself of the debt, there are certain things to avoid when transferring your balance to a new credit card.
Here are our top tips on what to avoid when making a credit card balance transfer.
1. Make sure you understand your deal – Most balance transfer offers run for a set period of time. Many of the......
A lot of students and minors are having a hard time securing their very first credit cards. This is because they do not have existing credit records that they can use in applying for the credit cards they need. Moreover, most of these young card applicants do not have stable sources of income which they can use to guarantee the repayment of the credit card balances they might be incurring.
Still, it is possible for young people, most especially college students, to be granted the credit li......
Problems are just like uninvited guests for us. They don’t ask before coming. Moreover, they also don’t feel sympathy for the people. Same is the case with recession as it has destroyed the financial lives of many people. Those people who were using and relying on credit cards a lot got the worst punch as they got themselves in the pool of massive credit card debts because their lucrative jobs were lost due to the ongoing wave of recession.
In these conditions, people are only......
In today’s world, a good number of people are finding themselves immersed in financial woes. This is especially the case with people who cannot live within their means and end up taking loans or misusing their credits. In the long run it becomes very difficult to keep your finances in check and you could end up with more than one creditor which is very risky.
The most probable thing to happen in such a situation is to have your creditors file a petition against you or you can choose......
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